Cigna Medicare Supplement Insruance Plans 2026
Cigna is a global health service company with approximately 70 million customers worldwide, serving people for over 220 years. ARLIC and Loyal American offer Cigna Medicare supplement insurance plans. Both companies are operating subsidiaries of the Cigna Corporation.
Cigna recently launched Cigna Supplemental Solutions, a new Medicare Supplement plan insured by ARLIC. This plan replaces or enhances Loyal American Insurance coverage in several states.
Cigna Medicare Supplement Plans 2026
After you qualify for Medicare, you can add a Medicare Supplement plan to cover costs that Medicare doesn’t pay. With many seniors having spouses still under 65, extra benefits are necessary to cover unpaid medical expenses.
ARLIC and Loyal American Plan Advantages
When you sign up for ARLIC Cigna, you have the option of applying for Loyal’s lump sum benefits. Loyal offers low-cost Cancer and Heart Attack & Stroke Insurance to supplement Medicare coverage. Benefits range from $5,000 to $50,000 in lump sum payments.
Unlike other insurance carriers, Loyal’s Cancer and Heart Attack & Stroke Insurance covers individuals up to age 80. This coverage can make a huge difference when you’re facing large medical bills. Loyal also offers Cash Advantage Critical Illness Insurance and Hospital/Surgical Fixed Indemnity Insurance.
Statewide and Regional Coverage
ARLIC Cigna Medicare Supplement plans are available in 12 states. These include Alabama, Iowa, Kentucky, Louisiana, Mississippi, Montana, New Mexico, Nevada, Oklahoma, West Virginia, South Carolina, and South Dakota.
Loyal American Medicare supplement plans are available in Alaska, Idaho, Maine, Michigan, Minnesota, New Jersey, Oregon, Vermont, Washington, Washington D.C., and Wisconsin.
What You Need to Know About Cigna Medicare Supplement Plans
You cannot be singled out for a rate increase based on your health, no matter how many times you receive benefits. Rate increases work differently by state. In most states, premiums increase based on your attained age.
Arizona, Arkansas, Florida, Georgia, and Missouri work differently. Your rate stays the same as when you first signed up and only increases if everyone’s rates go up.
Other than increases because of your age, your premium will only change when:
- premium changes apply equally to all policy holders with your same plan type and location
- if coverage under Medicare changes
- if you move to a different zip code location
Cigna Medicare Supplement Plan G: Comprehensive Coverage
The Cigna Medicare Supplement Plan G is a popular choice because it provides comprehensive coverage. Cigna Plan G covers almost all Medicare gaps, including deductibles, coinsurance, and blood costs. The only gap that Plan G doesn’t cover is the Medicare Part B annual deductible.
What makes the Cigna Medigap Plan G particularly attractive is its predictable cost structure and comprehensive benefits. After paying the Part B deductible each year, you won’t have to pay for most Medicare-covered medical services. This means no unexpected bills for doctor visits, hospital stays, skilled nursing facility care, or hospice services.
Cigna Medigap Supplement Plan G includes foreign travel emergency coverage as a bonus. If you have a medical emergency while traveling outside the U.S., the plan covers 80% of costs for up to 60 days. You can receive up to $50,000 total in lifetime benefits overall. This comprehensive coverage makes Cigna’s Plan G perfect for travelers and anyone wanting complete healthcare protection.
Cigna Medicare Supplement Exclusions and Limitations
Not all plans are available in all states. Check your state’s outline of coverage for availability. ARLIC and Loyal American supplement policies, combined with Medicare, will not pay more than 100% of eligible Medicare expenses.
Medical expenses for pre-existing conditions have a waiting period. Coverage begins after six months in most states, or 90 days in Wyoming.
Pros and Cons of Cigna Medicare Supplement Plans
Understanding both the advantages and limitations of Cigna Medicare Supplement insurance helps you make an informed decision about your Medigap coverage.
Pros
Strong Financial Stability
Cigna maintains excellent financial ratings and has been a trusted name in healthcare for decades, providing peace of mind that your claims will be paid reliably.
Competitive Premium Rates
Cigna Medicare Supplement plans typically offer competitive pricing compared to other major insurers, especially for popular Plan G coverage that covers most Medicare gaps.
Nationwide Provider Access
Since Medicare Supplement plans work with any doctor who accepts Medicare, you have access to providers nationwide without network restrictions when traveling or relocating.
Guaranteed Renewable Coverage
Your policy cannot be canceled due to health changes or claims history, and premiums can only be increased if the same increase applies to all policyholders in your area with the same plan.
Additional Benefits Programs
Cigna offers value-added programs like the Healthy Rewards discount program, providing savings on wellness services, and access to a 24-hour nurse helpline for health guidance.
Streamlined Claims Process
Medicare processes most claims automatically, and Cigna handles supplemental payments efficiently, reducing paperwork and administrative hassles for policyholders.
Cons
No Prescription Drug Coverage
Like all Medicare Supplement plans, Cigna Medigap policies don’t include prescription drug benefits, requiring a separate Medicare Part D plan for medication coverage.
Medical Underwriting After Open Enrollment
If you enroll outside your guaranteed issue period, you may face medical underwriting, potentially leading to coverage denial or higher premiums based on health status.
Premium Increases Over Time
While guaranteed renewable, premiums typically increase annually due to inflation, medical cost trends, and age-related adjustments in most states.
Limited Plan Variety
Cigna may not offer all Medicare Supplement plan types in every state, potentially limiting your options compared to carriers with more comprehensive plan portfolios.
No Wellness Benefits
Unlike Medicare Advantage plans, Cigna Medicare Supplement plans don’t include additional benefits like dental, vision, or hearing aid coverage—these require separate policies.
State Availability Restrictions
Cigna Medicare Supplement plans aren’t available in all states, and coverage areas may be limited within certain states where they do operate.
Consider your healthcare needs, budget, and preferences when evaluating whether Cigna Medicare Supplement insurance aligns with your coverage goals.
To start an application today, contact one of our Personal Benefits Managers at 1-800-913-3416, or schedule a phone or screen-share meeting.
Our knowledgeable Personal Benefits Managers are here to help you find the perfect plan at the lowest cost. We answer all consultations and questions at no charge.
Reach out to our experienced team. We’re committed to helping you secure the right coverage! You can also get free Medicare supplement insurance quotes.
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Robert N. (CO)
“I look forward to having MediGap Advisors help me sail the uncharted waters I will be experiencing during the next year or so with regard to Medicare coverage.
I especially would like to thank Misty for her help the last several years. She deserves many accolades, in my book.”
Janice B. (VA)
“Mike always answers all my concerns thoroughly. That’s why I stay with him for all of our Medicare needs.”
Cigna Medicare Supplement FAQs
What Cigna Medicare Supplement Plans are available in 2026?
Cigna offers several Medicare Supplement insurance plans, including the popular Cigna Medigap Plan G, which covers most out-of-pocket costs except the Medicare Part B deductible.
Cigna Medicare Supplement plans are available in most states and provide standardized coverage that works alongside your Original Medicare to help reduce medical expenses.
Can I switch to Cigna Medicare Supplement from another insurance company?
Yes, you can switch to Cigna Medicare Supplement Plans at any time, but you may need to go through medical underwriting unless you qualify for a guaranteed issue period.
Cigna Medigap policies offer the same standardized benefits regardless of when you enroll, though premiums may be higher if you switch outside your initial enrollment period.
Are other benefits available to Cigna Medicare supplement enrollees?
Cigna allows MediGap enrollees access to their Healthy Rewards Program, which provides discounts for healthy lifestyles and choices.
They also provide access to a nurse-staffed 24-hour health information line.
How much does Cigna Medicare Supplement Plan G cost per month?
Cigna Medicare Supplement Plan G premiums vary by location, age, and other factors, but typically range from $120-$300 per month.
Cigna Medicare Supplement Insurance rates are competitive compared to other major insurers, and Plan G is often the most cost-effective option since it covers nearly all Medicare gaps except the annual Part B deductible.
Does Cigna Medicare Supplement Insurance cover prescription drugs?
No, Cigna Medicare Supplement plans do not include prescription drug coverage. You’ll need a separate Medicare Part D plan for medications.
However, Cigna Medigap policies work excellently alongside Part D plans and cover most of your medical expenses that Original Medicare doesn’t pay, such as copayments, coinsurance, and deductibles.
What’s the difference between Cigna Medicare Supplement and Medicare Advantage?
Cigna Medicare Supplement Insurance works with Original Medicare to cover gaps in coverage, while Medicare Advantage replaces Original Medicare entirely.
With Cigna Medigap, you can see any doctor who accepts Medicare nationwide, whereas Medicare Advantage plans typically have network restrictions. Cigna Medicare Supplement plans offer more predictable costs and broader provider access.
Reviewed by Mike Montes
Fact checked by Wiley Long
Cigna Medicare Supplement Reviews
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Good Provider Access
I’ve had no trouble finding doctors that accept Cigna. The network feels broad and accessible. That’s been a big relief.
I'm Highly Recommending this Cigna Plan
I’ve been with Cigna for years, and their Medicare Supplement has been reliable and comprehensive. Never had to worry about any unexpected bills.
Peace of mind every time
With Cigna’s Medicare Supplement, I know I’m covered. Their customer service is always friendly, and claims are handled quickly.
Too many billing issues
I’ve had several problems with incorrect charges and delays in claims processing. It’s been more hassle than I expected for a Medicare Supplement.
Top-notch plan!
I couldn’t be happier with Cigna’s Medicare Supplement plan. It’s affordable, covers all my medical bills, and I’ve never had any issues.
Amazing coverage and service!
Cigna Medicare Supplement has been fantastic. They cover everything I need, and the claims process is smooth and fast.
Prompt Claim Processing, Limited Preventive Care
One of the things I appreciate about Cigna is their prompt claim processing. I’ve never had any issues with getting claims approved and reimbursed quickly. However, I’ve noticed that their coverage for preventive care services is somewhat limited. It would be great if they could expand their preventive care offerings to better support their members’ overall health.
Cigna has consistently met my healthcare needs
I’ve been a Cigna customer for a while now, and my experience has been quite positive. The customer service is excellent, with their representatives always ready to assist and provide helpful information. The coverage they offer is comprehensive, and I’ve had a smooth experience with claim processing. The network of healthcare providers is extensive, ensuring I have access to a wide range of healthcare options. While the premium cost can be a bit high, the quality of service and peace of mind it offers make it a valuable choice. Cigna has consistently met my healthcare needs.
A Seamless Healthcare Experience
Their commitment to transparency in pricing and coverage details is refreshing. Cigna has simplified the often complex world of healthcare, and I couldn’t be happier with the service they provide.
Average Coverage, Good Customer Service
I’ve been with Cigna for a few years now, and I have mixed feelings about their services. On the positive side, their customer service has always been responsive and helpful. They make it easy to get in touch and have answered my questions promptly. However, the coverage they offer is just average. I often find myself surprised by certain out-of-pocket costs and restrictions on certain treatments. It would be great if they could improve the transparency of their coverage policies.
Efficient and Reliable Insurance Provider
Cigna is known for its efficient claims processing and prompt responses to inquiries. This reliability has made my healthcare experience hassle-free. The variety of plans they offer ensures that there’s something for everyone. I appreciate the peace of mind that comes with being a Cigna member.
Big rate hike at age 85
I’m 86 years old. I’ve had a Cigna Medicare Supplement policy for years. It used to be very competitive. But when I turned 85, the rates went way, way up. I found out I’m not the only person this happened to, and that Cigna tends to do this to the 85+ crowd.
So, it’s probably a good deal if you’re 65 and in poor health. If you think you’ll last much longer than 85, maybe it’s not the best plan.
Cigna’s dial a nurse line saved my life
I’m a 66 year old woman and live alone. I went out to dinner with friends one night and when walking back into my home I noticed I felt a little more out of breath than usual. I sat down on the couch to catch my breath but it didn’t go away. I didn’t feel any chest pains. No shooting left arm pains or anything like they show on TV. I just felt out of breath. And when I got up from the couch I’d feel a little dizzy. When I got back to the couch I thought I was going to faint.
This happened two or three times.
By this time it was almost midnight and the local emergency clinic was closed. I was planning to call my doctor in the morning, but Cigna has a 24-hour dial a nurse line, so I called them.
I spoke with the nurse and she said don’t panic but I should call 9-1-1 right away, because it might be a heart attack. And she said don’t try to drive yourself, because I could pass out behind the wheel.
So I called 9-1-1 and they sent an ambulance. When they got to the door I tried to get up but almost passed out and had to sit down again. They hooked up an EKG and told be that yes, I was having a heart attack and had to go to the hospital right away. And thank goodness I didn’t try to drive myself!
They told me that heart attacks are getting really common, even in women in their 40s, and that the symptoms are very different than for men. Women often don’t have any chest pain at all. Just dizziness, shortness of breath and nausea, and sometimes don’t get help right away.
I was really lucky that I called the Cigna nurse and she figured out what was going on. I might not have made it if I hadn’t made the call. I don’t remember her name but thank you!
If you’re having symptoms like mine, don’t try to act tough. You’re not tougher than a heart attack!
Nice extras.
I like Cigna because unlike a lot of Medigap plans you can get some extra discounts and services with Cigna. I use the Healthy Rewards program a lot, which gives a 30% discount on Jenny Craig weight loss, a 25% discount at my chiropractor, and a even a small discount on my gym membership. It’s only 10% but I’ll take it. I get a discount at Pearle vision for glasses too but I haven’t used that yet.
It’s more expensive than some medigap plans I looked at but if you take advantage of the Healthy Rewards discounts it evens out and I even come out ahead.
Highly recommended!
I’ve been with Cigna Medicare Supplement for two years, so far.
Pros: 1. No “care networks.” I can see any doctor who takes Medicare. 2. I can use my plan out of state. I travel a lot still – even more since I retired, and I know I can use my Medigap benefits anywhere in the country. 3. Foreign travel benefits. I go to Canada every few to visit family, as well, and I can use my plan there though they only cover 80% out of the country. But without them I’d have zero coverage.
Cons: 1. They don’t cover dental or vision. 2. They don’t cover prescription drugs. But you can mitigate that by buying separate vision and dental, and a separate prescription drug plan. 3. Cost. I know there are some Medicare Advantage plans that have a zero premium. But you get what you pay for. And when I looked at the coverage,
Good insurance, bad communication
I had to go see a spine care specialist and told them I have a Cigna Medigap plan. They said I just had to pay my Part B deductible, which was $233. So I paid it up front. But then I got another bill that said I still owe the same $233 Part B deductible?
Still on hold with Cigna trying to figure it out.